Share the quotes you have
Send proposals from your broker or ask your Spot team to collect them. Add your current policy so there’s a baseline to measure against.
Maple Street Co.Organized by Spot
Compare General Liability Insurance Quotes
Compare general liability insurance quotes with Spot
Once proposals come back, Spot sets their limits, defense terms, insureds and exclusions next to each other so you can choose on coverage.
Compare quotes from 45+ general liability insurance providers
- Aggregates and defense terms read the same way across quotes
- Exclusions and insured names flagged where proposals differ
- Keep your broker or switch, with no commissions on premiums
How it works
We read each proposal the same way
Spot pulls the limits, aggregates, defense terms, insureds and exclusions out of every document and lines them up in one view.
General liability insurance
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Ask your Spot team what differs
Message your shared Slack channel when two quotes look alike but price differently. Your team explains which term accounts for it and takes your questions to the broker.
# spot-support
AlexMaple Street Co.
Can you help compare our general liability insurance options?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Choose and bind
Pick the quote that fits your operations and any lease or contract wording. Your Spot team helps you bind it and files the policy in your workspace.
Insurance documents
Quote comparisonGeneral liability insurance
Coverage limits · Policy terms
Maple Street Co.
What to compare
- 01
Per-occurrence limit
The most the policy can pay for a single incident. Two quotes can show the same figure and still behave differently once the aggregates are read.
- 02
General aggregate
The total available for covered claims in the policy period. A busy year of small claims draws it down.
- 03
Products and completed-operations aggregate
A separate limit for claims that arrive after a product leaves your hands or a job is finished. It matters most if you build, install or sell.
- 04
Defense terms
Whether the insurer defends you and whether defense costs reduce the limits. When they do, legal bills shrink what’s left for a settlement.
- 05
Property in your care and your own work
Damage to someone else’s property isn’t treated like damage to the item you’re working on or the work you finished. Check how each quote draws that line.
- 06
Who is insured
The businesses and people named on the policy. Confirm every entity you operate is on each quote.
- 07
Exclusions for other exposures
Auto, employee injury, pollution and alcohol-related claims are usually handled elsewhere. See which ones each proposal excludes.
- 08
Contract wording
If your lease or customers require additional insured status, check the quote names the form and whether it’s blanket or per-contract.
Differences to watch for
- 01
Same limit, different defense treatment
Quotes with matching limits can differ on whether defense costs sit inside them. The cheaper one may leave less to pay a claim.
- 02
A missing entity
If you’ve added a business or location since your last renewal, a proposal built from old information may not name it.
- 03
Medical payments and advertising injury
Medical payments are a smaller, separate limit, and advertising injury covers specified offenses only. Don’t assume every proposal includes both on the same terms.
- 04
Endorsements priced separately
Additional insured and waiver wording can arrive as add-ons. Count them before you compare totals.
Providers your broker can approach
Compare quotes from 45+ general liability insurance providers.
- AIG
- Alliance Risk
- Amelia Risk
- Aon
- Beazley
- Berkshire Hathaway Specialty Insurance
- biBerk
- And many more
Common questions
Can Spot compare quotes my broker already collected?
Yes. Send the proposals and Spot sets them side by side on coverage terms. Spot works with brokers and takes no commissions on premiums.
Does a higher aggregate always mean better coverage?
No. A larger number helps only if defense costs, exclusions and insureds are also in your favor, which is why Spot lines those up next to the limits.
Which quote should I pick?
Spot shows where proposals differ and what each difference means for your operations. You and your broker decide, and your Spot team helps you bind the one you choose.
Will my landlord’s insurance requirements show up in the comparison?
Send the lease clause and Spot checks each quote against it, including the limits and additional insured wording it names.
Related
Get insurance off your to-do list.
Once proposals come back, Spot sets their limits, defense terms, insureds and exclusions next to each other so you can choose on coverage.
Get StartedLearn more before you compare quotes
Read these before you choose a policy or an insurer.
